Lockheed Federal Credit Union is offering auto loan rates as low as 2.99% APR with up to 125% financing. Additionally, Lockheed FCU members who refer a new member to open an auto loan within the next month will receive $50 deposited into their account. The referred friend will also receive $50 deposited into their account. Click here for more information.

Landmark Credit Union members who refer a friend, family member, or co-worker to open a qualifying Landmark checking account or Landmark loan will receive $50. For each to receive the $50 cash bonus, the new member must open a new Landmark checking account and either establish a recurring monthly direct deposit or perform five check card purchases within the first 60 days, or the new member must close a new Landmark loan with an outstanding balance of $10,000 or more. Click here for more information.

Some financial institutions have capitalized on the 12 Days of Christmas to offer perks to their customers.

• Old National Bank is offering 12 free purchases in 12 days. Customers who use their Integra DebitCard when making purchases will be entered for a daily chance to win. One purchase will be randomly selected every day from 12.13.2011 to 12.24.2011 to be free. Winners could receive between $50 and $500 on a single purchase. Click here for more information.

• Wilson Bank and Trust is offering 12 days of Christmas specials from 12.09.2011 to 12.22.2011. Customers can win free gifts when they open a new qualified financial product and they can register to win a trip to Nova Scotia. Click here for more information.

• PNC created the Christmas Price Index®, similar to the Consumer Price Index, that shows the cost for one set of each of the gifts in the song "The Twelve Days of Christmas” for 2011. This has been a 28 year tradition for PNC. Clickhereformoreinformation.

In celebration of their 100th anniversary, MB Financial Bank is offering up to $200 to customers opening a new MB Classic, MB Signature, or MB Red Checking account through 01.31.2012. Customers will earn $100 when they set up a monthly recurring direct deposit of at least $500, $50 for a recurring automatic transfer of $50 or more, $25 for at least one bill pay of $25 or more, and $25 for enrolling in e-Statements. Click here for more information.

Sovereign Bank customers can earn $100 cash back for opening a new Premier Checking package, $75 for a Preferred Checking package, or $50 for a Classic Checking package. To receive the cash bonus, customers must open a new checking and companion savings account along with online banking and a debit card by 12.31.2011 and make five debit card purchases by 02.29.2012. Click here for more information.

New Citibank customers can earn $400 in gift cards when they open a new Citigold Account or $200 in gift cards for opening a new Citibank Account by 12.31.2011. Customers must enroll in Citi ThankYou Rewards and complete one direct deposit and one electronic bill payment for two consecutive months within 45 days of opening the account. Click here for more information.